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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,066 | $175,259-73.1% | $149,723-68.6% | $139,487-66.3% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 9.97% | 166.82%-156.9pp | 134.50%-124.5pp | 373.84%-363.9pp |
| Employer contribution / active EE | $16,730 | $5,478+205.4% | $4,821+247.0% | $4,755+251.9% |
| Participant deferral / active EE | $15,000 | $6,522+130.0% | $5,682+164.0% | $6,713+123.5% |
| Admin fee / account holder | $380 | $16,158-97.6% | $13,215-97.1% | $11,407-96.7% |